Guarantor loans, an old fashioned idea

Back in the good old days banks worked on relationships and trust. If you wanted a loan your local bank would often simply
ask for someone who trusted you to guarantee it. Then things changed, computer credit scores took over and millions of
people were left out in the cold because their score didn't fit. We knew what it was like to be rejected so we built
the old fashioned guarantor loan company we wanted to borrow from.

Decisions made by real people

We don't just let computers decide if you can borrow. The most important thing for
us is that you have a friend or family member who trusts you enough to guarantee
to make repayments if you don't, and that you can afford to repay the loan. Before
we pay out any guarantor loans, we have a good old fashioned chat over the phone with both you
and your guarantor. We base our decisions on simple common sense.

A cheaper way to borrow

Our flexible guarantor loans are regularly featured by price comparison sites as the cheapest option for anyone borrowing £500-£5000 with a low credit score.

Interest done right

Everyone wants to be in control of their loan. We give you real-time statements and 24/7 access to your account online. Interest is calculated daily so you only pay for the time you have the loan. If you pay even £1 off early, you stop paying interest on that £1 immediately.

Paying off your loan

We've thought of as many ways as possible for you to make repayments. Regular payments are made by Direct Debit, but you can also pay by card, online, over the phone 24/7 or in cash at any one of 22,000 PayPoint locations.

Awards we've won:

Finalist for 2 Credit Today awards 2014

Best Low Credit Score Loan Provider

Sunday Times Best Companies to work for 4 time award winner

No fees ever

When times get tough the last thing you need is someone making money from your problems.
We NEVER charge for late payments, letters, early settlement or anything else.

What about when things go wrong?

We collect late payments in the same way as any high street lender would. If a loan falls into arrears we will let the borrower and guarantor know and if we're not able to collect a payment we will phone and email you to see what's gone wrong. Our priority is to stop a late payment snowballing into a bigger problem and to resolve it with the borrower in the first instance. Obviously, because our loans are supported by a guarantor, if we are unable to come to a suitable resolution with the borrower then the guarantor has to pay.

In a few very rare cases, where we can't come to an arrangement for repayment with either borrower or guarantor, as a last resort we will either pass a debt onto a professional debt collector or ask a court to decide the best way to deal with it. Whatever happens we will NEVER put your home or other property at risk. We've made 10 promises on how we'll deal with arrears.

Rebuilding your credit

We want to help make your financial future better; so we report back to all three
credit reference agencies, each month, showing your repayments. As payments are
made on time this will help to build or rebuild your credit profile. No information
is reported back to credit reference agencies for guarantors, even if payments are
missed, unless the account goes to court.